Having auto insurance coverage can help protect the people and investments that are most important to you. From liability coverages that help protect you to comprehensive auto insurance coverage that helps protect the investment in your new car, auto insurance is the foundation of a good financial plan.

An auto insurance policy from BMP Insurance Services can help you:

• Safeguard your investment in your automobile
• Pay for medical expenses in case of an auto accident
• Provide financial protection from lawsuits
• Cover losses caused by uninsured or underinsured drivers
• Pay for damage due to theft, vandalism, or natural disasters

Auto insurance coverage helps you to meet whatever might be coming down the road with a greater peace of mind.

Homeowner's insurance can help protect your house and the personal items in your home. Basic coverage california homeowner's insurance can prepare you for an unexpected loss or damage. In addition, homeowner's insurance can give you a valuable safety net for your, CA investment.

Your property isn't any less valuable just because you rent. A Renters Insurance Policy can help you protect your things, big and small, from the unexpected and help safeguard your savings from personal liability. It only costs a little to protect a lot!

Choosing proper health insurance is an important decision for all of us. Making smart healthcare decisions today can help ensure we'll be living a healthier lifestyle tomorrow.

BMP Insurance offers a wide variety of products, health insurance services, and benefit options to suit all of your health care needs. We're here to assist you every step of the way. Take some time to look at our health and productivity options. We think we have just what you're looking for.

We offer health insurance coverage that you can purchase as an individual for you and your family or as an employer for your business. Our goal? A healthier, happier you!

BMP Insurance Services can help protect your motorcycle and you with the right motorcycle insurance policy.

Whether you just want the minimum in mandatory motorcycle liability coverages or need additional optional equipment coverages, an motorcycle insurance policy from BMP Insurance offers the coverage options that are right for you.

You may even qualify for insurance discounts that reward you for things you may already do - like riding safely and belonging to your favorite motorcycle organization.

Commercial insurance is designed to help protect you against many of the risks your business can face, including:

• Damage or destruction to your business vehicles
• Certain liability exposures resulting from the operation of your business vehicles
• Damage or destruction to your office equipment or inventory
• Loss of income in case you have to close-up shop temporarily because of a covered loss
• Certain business related liability exposures such as, wrongful entry or search, libel, slander and even certain offenses arising out of your business’s advertising
• Risks to your cargo while in transit or storage
• Theft or loss of tools and equipment
• Crime coverage including robbery, burglary, and even employee dishonesty.

We can provide the knowledge, expertise, and personal service and care you would expect from a Los Angeles insurance leader. Leave the navigation to us, and we’ll walk you through the ins and outs of the boat insurance waters.

Our team of Los Angeles insurance specialists will help you decide what kind of insurance realistically fits the use of your watercraft, lifestyle, and budget.

Whole life insurance provides protection as well as a cash value. Your premiums remain at a fixed level for the duration of the contract. Over time, the policy builds up cash value on a tax-deferred basis. It may also provide for dividends (which are not guaranteed), that can be used to add more coverage, can build a cash-value that you can use to supplement your retirement income or help provide for a child's education—it's your money to use as you need.1 But keep in mind life insurance should not be purchased solely for cash-value accumulation; its primary purpose is protection.

What is it?

Whole Life is the most basic type of permanent life insurance. Depending on your age and health, your premium will purchase a specific death benefit and produce a specific cash value, which are guaranteed for the life of the policy as long as your premiums are paid. Whole Life premiums, while higher than term premiums, are guaranteed not to increase.

Who's it for?

People who:

• have a lifetime need for insurance protection
• prefer the high degree of safety provided by the policy's guarantees
• are attracted by the policy's ability to build tax-deferred cash values
• like to know that their premiums will never increase

Benefits:

Over time, whole life insurance may be more economical than term insurance since premiums do not increase with age and the policy builds a cash value.

• Earnings, and certain withdrawals and loans, may qualify for tax-favored treatment.
• Policy loans and withdrawals provide access to your cash value.
• If you cancel the policy, the accumulated cash value is yours to use as you wish. Taxes may apply.
• Dividends can be taken in cash or used to increase the policy's cash value and death benefit. This means that certain "dividend options" may be used to purchase additional insurance coverage each year, regardless of your health.
• Premiums are guaranteed not to increase over the life of the policy.
• A minimum death benefit is guaranteed.
• The cash value is guaranteed to grow at a specified, minimum rate.

What is Term Life Insurance?

Term life insurance is generally the least expensive and least complicated type of life insurance. It provides insurance protection for a specified period of time, such as 10, 20 or 30 years.1 If you die within the term period and the policy is in force, a death benefit is paid to your beneficiary. If you are still living at the end of the term, protection ceases unless your term life insurance policy is renewed. There is no "accumulation" element, or cash value with term life insurance.

Who's it for?

• People with a temporary need for life insurance protection.
• Those who need a large amount of insurance protection but have limited budgets.
• People with specific business needs (e.g., business owners who want to cover the life of a key employee who has a set number of years until retirement).

Benefits of Term Life Insurance:

• It provides insurance protection for a low cost (at least initially).
• If your needs change, most term life insurance policies allow you to convert to a permanent life insurance policy without having to take a medical exam or provide other information about your health.
• Term life insurance is a good way to supplement other coverage when you have added financial responsibilities for a given period of time (e.g., mortgage, college expenses).
• Death benefits are generally received free from income tax.

Universal Life Insurance is a flexible life insurance plan. These policies are interest-sensitive and permit you to adjust the death benefit and/or premium payments, within limits, to fit your situation. Your net premium payments are applied to the accumulation fund, which earns interest. The monthly cost of the death benefit and policy administration is deducted from the accumulation fund. As with Whole Life Insurance, the cash value is yours — you may withdraw it or borrow against it at any time.1 Or, you can use your cash value to pay premiums. Universal life rates are subject to change, but the rate will never fall below the minimum rate guaranteed in the contract.

Variable Universal Life Insurance may be for you if you want to invest the cash value of your life insurance policy in various funding options that in turn invest in such things as stocks and bonds. You decide how your net policy values are to be invested—and you bear the investment risk. If market performance is poor, your death benefit may decrease, and you may have to pay higher premiums to keep the policy in effect. But your cash value also has the potential to grow more rapidly than with other cash-value policies if the market performs well. Like Universal Life Insurance, above, premiums and death benefits are adjustable within limits.

Professional Liability insurance provides protection against claims that the policyholder becomes legally obligated to pay as a result of an error or omission in his professional work. Also known as Errors and Omissions insurance, this type of professional liability insurance is critical to your business. E&O insurance responds to claims of professional liability in the delivery of your technical services. Allow us to customize an errors and omissions insurance policy for you that is affordable and effective.

insurance provides coverage when your liability exceeds the limits of your homeowner's, auto, and boat insurance. The umbrella policy provides our customers with 1 to 10 million dollars additional coverage.

The Personal Umbrella Policy protects you from major claims and lawsuits in two ways:

1. Provides additional liability coverage above the limits of your homeowner's, auto, and boat insurance policies.
2. Provides coverage for claims that may be excluded by other liability policies including:
   • False Arrest;
   • Libel;
   • Slander; and
   • Liability coverage for rental units you own.